Testimonials from Our Customers

We have helped thousands of customers with their personal loan needs. All these customers were of good quality but did not get a personal loan or financing from banks or other lenders because their profile was not evaluated comprehensively. Here are some actual cases to whom we have disbursed loans where other lenders were not willing to.

Find out what customers are saying!

Medical Bills

7th July 2019

Customer Details:

Age: 28City: Mumbai

Monthly Income: Rs.69,800

Credit Score: 762

Requirement

Rs. 80,000 for Medical Emergency

Time to Disbursal

48 Hours

Snigdha Shirodkar is a 28-year old marketing professional living in Mumbai. She required loan of Rs. 80,000 to pay off her mother’s medical bill. In case of medical emergency, people generally opt for personal loans in case they do not have medical insurance or enough savings to pay off the hefty medical bills. An online and hassle-free loan application process offers quick relief in such situations. Snigdha required quick funds but banks too a really long time to disburse it. And that’s when Upwards helped her. Our hassle-free loan application process made it easy for Shirodkar to apply for a loan with us. On evaluating her application, we found Shirodkar to have a decent credit history and income and we instant disbursed her loan to help her in time of need. There are many such applicants like Shirodkar whom we have helped.

Instant Money

7th July 2019

Customer Details:

Age: 35City: Thane

Monthly Income: Rs.69,800

Credit Score: 762

Requirement

Rs. 1,00,000 for Personal Use

Time to Disbursal

48 Hours

Sandip is a 35 years old living in Thane, Mumbai. He required instant loan of Rs. 1 lakh to personal use. In today’s unpredictable times, an unfortunate situation can arise anytime, requiring quick financial assistance. Since Sandip had not money to take care of his financial need, he applied for a loan with a few large lenders and banks online, but was denied quick access.

Upwards online application process which is a simple three step process made it easy for Sandip to cater to his personal financial requirement. With an application made through the Upwards app, the Upwards team took no time in giving instant approval as he had a good credit score and spending patterns. Additionally, he worked with a reputed company that ensured a quick loan approval. With paperless KYC process and digital e-NACH set up, Sandip received the funds in his bank account in just 3 hrs.

With our online application process, Sandip is one of our happy customers to get quick access to money.

Wedding Expenses

7th July 2019

Customer Details:

Age: 27City: Pune

Monthly Income: Rs.55,000

Credit Score: 762

Requirement

Rs. 75,000 for Wedding Ceremony

Time to Disbursal

48 Hours

Poonam is 27 years old and living in Pune with her family. She had a requirement of Rs. 75,000 for her wedding ceremony. Since weddings are once in a life-time affair that come with last minute expenses, getting an instant cash in such situation is what every individual wishes for. However, since Poonam had only completed 6 months at her current job, offering her loan was considered risky by many banks and lenders.

Having high salary is not the only factor that lenders consider when approving the loan amount. An individual’s job stability is also an important factor reflecting his repayment capacity. Upwards, however, considers other factors such as spending patterns, monthly income, banking history, credit score when giving loan approval. Despite being employed only for 5 months, Poonam had a good credit history and had never defaulted or made late EMI payment. After careful evaluation of her application, her loan was disbursed in just 24 hrs.

We are happy to have made Poonam happy for her D-day celebrations.

New Mobile

7th July 2019

Customer Details:

Age: 34City: Ahmedabad

Monthly Income: Rs.30,000

Credit Score: 762

Requirement

Rs. 30,000 for buying a new mobile phone

Time to Disbursal

48 Hours

Shanta is 34 years old living in Ahmedabad. She had an emergency requirement of Rs. 30,000 for buying a smartphone. Today, owing a phone has become an absolute necessary as it helps you stay in touch with your loved ones and also contact them in case of an emergency. Banks and large lenders denied her loan application due to a low credit score of 675.

At Upwards, loan applicants with low credit score are considered as we also check on other factors such as monthly income, spending history, employer and others. Since Shanta had job stability of 2 years and had also the salary slips, her loan was disbursed in just 48 hrs.

We are happy to have helped out Shanta to get her hands on a brand new mobile phone.

Credit Card bill

7th July 2019

Customer Details:

Age: 32City: Chennai

Monthly Income: Rs.35,000

Credit Score: 762

Requirement

Rs. 55,000 for paying off Credit Card bill

Time to Disbursal

48 Hours

Sharmad is a 32 years old salaried professional living in Mumbai. He had a requirement of Rs. 55,000 to pay off his credit card bill. Overusing credit card and not being able to make full payment can often put one in debt. Additionally, not paying credit card bills on time attract heavy penalties that can further increase your debt. Sharmad needed quick money to pay off the bills and since banks take time to disburse loans, Upwards helped him pay off his credit card bill on time.

Loan applications at Upwards are carefully assessed and Sharmad’s application complied with our eligibility criteria. He had a monthly income of Rs. 35,000 and had job stability and no other debt. Hence, it became easy for Sharmad to get an instant loan from us. After careful evaluation of his application and several other factors, Sharmads loan was disbursed in just 48 hrs.

Personal Use

7th July 2019

Customer Details:

Age: 31City: Kolkata

Monthly Income: Rs.20,000

Credit Score: 762

Requirement

Rs. 50,000 for personal use

Time to Disbursal

48 Hours

Avishek is a 31 years old living in Kolkata. He had a requirement of Rs. 50,000 due to some personal issue. Very often people get stuck in situations that require quick financial assistance and that’s when Avishek made a loan application through the Upwards app. Since Avishek’s salary was Rs. 20,000 only, many banks rejected his loan application as in metro cities minimum salary should be at least Rs. 25,000 for getting a loan.

At Upwards, we do not have such criteria and process loans to individuals with minimum salary of at least 10,000- Rs. 15,000. The team at Upwards quickly assessed his profile and offered him an instant loan of Rs. 50,000 for 2 years.